The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM 023135106 1,198,412 4,810 SH SOLE 4,810 0 0
APPLE INC COM 037833100 2,357,116 7,078 SH SOLE 7,078 0 0
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 338,692 6,574 SH SOLE 6,574 0 0
COCA COLA CO COM 191216100 362,376 4,184 SH SOLE 4,184 0 0
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 886,455 16,930 SH SOLE 16,930 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 10,178,235 245,673 SH SOLE 245,673 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 23,598,576 600,320 SH SOLE 600,320 0 0
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 101,641,250 1,224,151 SH SOLE 1,224,151 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 4,437,050 57,311 SH SOLE 57,311 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 167,894 2,527 SH SOLE 2,527 0 0
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 160,628 2,921 SH SOLE 2,921 0 0
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 2,277,490 62,862 SH SOLE 62,862 0 0
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 143,867 2,576 SH SOLE 2,576 0 0
FIDELITY COVINGTON TRUST QLTY FCTOR ETF 316092790 310,939 3,735 SH SOLE 3,735 0 0
FLEXSHARES TR NRTRN TR MRN GBL 33939L407 20,620,200 390,978 SH SOLE 390,978 0 0
GMO ETF TRUST US QUALITY ETF 90139K100 21,581,576 503,404 SH SOLE 503,404 0 0
ISHARES GOLD TR ISHARES NEW 464285204 923,142 11,820 SH SOLE 11,820 0 0
ISHARES TR TIPS BD ETF 464287176 271,024 2,605 SH SOLE 2,605 0 0
ISHARES TR CORE S&P500 ETF 464287200 6,415,525 8,377 SH SOLE 8,377 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,365,121 20,439 SH SOLE 20,439 0 0
ISHARES TR S&P 500 VAL ETF 464287408 35,155 154 SH SOLE 154 0 0
ISHARES TR MSCI EAFE ETF 464287465 255,466 2,459 SH SOLE 2,459 0 0
ISHARES TR RUS MID CAP ETF 464287499 68,081 638 SH SOLE 638 0 0
ISHARES TR CORE S&P MCP ETF 464287507 2,940,021 40,862 SH SOLE 40,862 0 0
ISHARES TR U.S. FINLS ETF 464287788 3,139,238 24,982 SH SOLE 24,982 0 0
ISHARES TR CORE S&P SCP ETF 464287804 39,827,479 292,763 SH SOLE 292,763 0 0
ISHARES TR GL CLEAN ENE ETF 464288224 144,976 8,528 SH SOLE 8,528 0 0
ISHARES TR NATIONAL MUN ETF 464288414 12,919,872 127,793 SH SOLE 127,793 0 0
ISHARES TR CRE U S REIT ETF 464288521 22,261 362 SH SOLE 362 0 0
ISHARES TR PFD AND INCM SEC 464288687 1,251,243 42,415 SH SOLE 42,415 0 0
ISHARES TR CORE MSCI EAFE 46432F842 63,273,350 653,111 SH SOLE 653,111 0 0
NVIDIA CORPORATION COM 67066G104 3,344,171 14,627 SH SOLE 14,627 0 0
OPKO HEALTH INC COM 68375N103 23,714 14,729 SH SOLE 14,729 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 2,763,014 55,549 SH SOLE 55,549 0 0
SELECT SECTOR SPDR TR ST STR MATER ETF 81369Y100 482,861 9,915 SH SOLE 9,915 0 0
SELECT SECTOR SPDR TR ST STR CARE ETF 81369Y209 2,579,858 15,318 SH SOLE 15,318 0 0
SELECT SECTOR SPDR TR ST STR STAPL ETF 81369Y308 1,198,200 14,866 SH SOLE 14,866 0 0
SELECT SECTOR SPDR TR ST STR DISCR ETF 81369Y407 2,331,788 21,424 SH SOLE 21,424 0 0
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 2,144,357 12,842 SH SOLE 12,842 0 0
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 11,312,784 57,792 SH SOLE 57,792 0 0
SELECT SECTOR SPDR TR ST STR SVC ETF 81369Y852 2,513,471 22,650 SH SOLE 22,650 0 0
SELECT SECTOR SPDR TR ST STR REAL ETF 81369Y860 440,110 10,758 SH SOLE 10,758 0 0
SELECT SECTOR SPDR TR ST STR UTIL ETF 81369Y886 516,664 13,100 SH SOLE 13,100 0 0
SPDR GOLD TR GOLD SHS 78463V107 206,796 543 SH SOLE 543 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 8,671,903 11,343 SH SOLE 11,343 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 9,738,924 138,830 SH SOLE 138,830 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 10,779,288 217,544 SH SOLE 217,544 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 646,170 922 SH SOLE 922 0 0
VANGUARD INDEX FDS MRNGSTR MD CP VA 922908512 258,295 1,321 SH SOLE 1,321 0 0
VANGUARD INDEX FDS MRNGSTR MD CP GR 922908538 206,223 706 SH SOLE 706 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 303,577 3,387 SH SOLE 3,387 0 0
VANGUARD INDEX FDS MRNGSTR SM CP GR 922908595 169,928 503 SH SOLE 503 0 0
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 160,335 694 SH SOLE 694 0 0
VANGUARD INDEX FDS MRNGSTR LRG CAP 922908637 105,203 299 SH SOLE 299 0 0
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 420,724 4,669 SH SOLE 4,669 0 0
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 596,597 2,761 SH SOLE 2,761 0 0
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 7,746,274 27,229 SH SOLE 27,229 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 5,882,888 37,893 SH SOLE 37,893 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 21,183,847 357,172 SH SOLE 357,172 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,176,247 24,836 SH SOLE 24,836 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 3,197,343 55,548 SH SOLE 55,548 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 6,773,760 29,033 SH SOLE 29,033 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,782,620 25,246 SH SOLE 25,246 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 3,241,973 20,889 SH SOLE 20,889 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 591,611 5,850 SH SOLE 5,850 0 0
VANGUARD WORLD FD ENERGY ETF 92204A306 941,887 5,471 SH SOLE 5,471 0 0